Zero-Surprise Cost Advocacy

Insurance-Covered TMS Therapy:
Clear, Accessible Care.

Worried about the cost of TMS therapy? In Minnesota, over 90% of major insurers and Medicare cover NeuroStar® TMS. Let us verify your benefits for free.

Verify Your Benefits Coverage Guidelines
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Major In-Network Plans

Insurers That Cover TMS Therapy in Minnesota

Transcranial Magnetic Stimulation is recognized by the FDA and mainstream medical associations as a standard of care for Major Depression and OCD. We coordinate directly with all major Minnesota carriers:

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Blue Cross Blue Shield MN

Comprehensive TMS coverage with prior authorization

Covered Treatment
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Medicare Part B

Covers 80% with supplemental coverage for remaining 20%

Covered Treatment
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HealthPartners

Broad coverage for treatment-resistant depression

Covered Treatment
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Medica

In-network policy guidelines for commercial & exchange plans

Covered Treatment
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UnitedHealthcare

Optum behavioral health clinical policy guidelines

Covered Treatment
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Cigna / Evernorth

Coverage for severe depression & OCD protocols

Covered Treatment
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Aetna

Established TMS coverage guidelines for adults and teens

Covered Treatment
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Tricare / Veterans

Coverage for eligible active duty & retired military personnel

Covered Treatment
Coverage Criteria

Typical Insurance Requirements for TMS

To qualify for insurance authorization, most plans look for documentation showing that standard first-line therapies have been insufficient. Learn more about treatment-resistant depression:

1

Formal Diagnosis of Major Depressive Disorder (MDD)

Moderate to severe recurrent depression or single severe episode evaluated by a psychiatric clinician.

2

Prior Antidepressant Trials

History of trying 2 or more antidepressant medications from different chemical classes (e.g., SSRIs, SNRIs, Wellbutrin) without significant symptom relief or due to intolerable side effects.

3

Previous Trial of Evidence-Based Psychotherapy

A history of engaging in talk therapy (CBT, ACT, psychotherapy) without complete recovery. We also offer integrated psychotherapy services.

Not sure if your history qualifies?
We provide a free 15-minute benefits check and guide you step-by-step.
Free Benefit Verification
Peace of Mind

Our 4-Step Prior Authorization Promise

We handle the administrative burden with your insurance carrier so you can focus 100% on getting well. Check our Locations Hub to find care near you.

Step 01

Free Consultation

Meet with Roxanne DoBrava to review your symptoms and clinical history.

Step 02

Benefits Verification

Our billing specialists call your carrier to verify exact deductibles and copays.

Step 03

Prior Authorization

We compile and submit comprehensive clinical documentation on your behalf.

Step 04

Treatment Commences

Begin your daily 19-minute sessions with zero surprise medical bills.

Common Questions

Frequently Asked Questions: TMS Insurance

Detailed answers about copays, deductibles, prior authorizations, and coverage.

Yes. Transcranial Magnetic Stimulation (TMS) is covered by almost all major commercial and government health plans in Minnesota including Blue Cross Blue Shield of Minnesota, HealthPartners, Medica, UnitedHealthcare, Medicare, Optum, Cigna, and Aetna for qualifying patients with Major Depressive Disorder.
Most insurance policies require a diagnosis of Major Depressive Disorder, documented trials of 2 to 4 different antidepressant medications from different classes without sufficient relief, and a prior trial of evidence-based psychotherapy. If you have questions about your specific history, schedule a consultation on our Contact page.
Yes. Medicare Part B covers NeuroStar TMS therapy for eligible patients when prescribed by an authorized medical provider for treatment-resistant depression. For seniors with supplemental secondary coverage, out-of-pocket costs are often near zero. Read our TMS for Adults guide.
Your out-of-pocket expenses depend on your specific policy's annual deductible, copay, or coinsurance structure. Our billing team conducts a free benefits verification before your first session to provide an exact financial breakdown with zero surprise bills. Call us at 612-429-8280 for an estimate.
We handle the entire prior authorization process from start to finish. Our clinical team compiles your psychiatric history, medication trials, and diagnostic documentation and interfaces directly with your insurer, taking the stress completely off your shoulders.
Yes. TMS therapy is an FDA-cleared medical procedure, making all associated copays, deductibles, or out-of-pocket fees 100% eligible for Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA).
Our team routinely and successfully files formal peer-to-peer appeals and provides supplemental psychiatric documentation to overturn initial automated denials, advocating vigorously on your behalf. Learn more about our clinic on the Best TMS Clinic page.
Your Next Step

Your Path Forward
Starts Here

Schedule your free 15-minute consultation to learn more about your treatment options. During this no-obligation consultation, we'll:

  • Listen to your unique experience
  • Explain how Neurostar® TMS might help your specific condition
  • Answer all your questions about treatment
  • Discuss practical matters like insurance and scheduling